Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company focused on increasing financial access and opportunity. The Senior Analyst, Complex Investigations independently investigates high-risk financial crime matters across AML, Sanctions, and Fraud, prepares defensible SAR narratives and related documentation, and supports quality governance, regulatory examinations, and analyst coaching.
Responsibilities
- Independently conduct complex and high-risk investigations across products and customer types, including multi-account, multi-entity, and cross-product matters
- Handle repeat SAR subjects, continuing activity reviews, and examiner-referred matters in line with established escalation criteria
- Analyze transactional, KYC/CDD, and open-source information to reach sound, defensible investigative conclusions
- Identify and escalate systemic or thematic risks, unusual typologies, and potential control gaps emerging from casework to leadership
- Draft clear, complete, and defensible SAR narratives and decisioning that withstand examiner, audit, and law-enforcement scrutiny
- Ensure all investigative documentation meets the five-element documentation baseline and internal quality standards
- Prepare Continuing Activity Reports (CARs) and support 314(a)/314(b), OFAC, and PEP-related investigative activity as needed
- Operate within the escalation and quality frameworks owned by leadership; apply routing and escalation criteria consistently
- Partner with QC/QA teams by responding to feedback, remediating identified defects, and helping surface systemic trends
- Maintain consistency with enterprise investigative standards and methodologies across AML, Fraud, and Sanctions domains
- Serve as a subject-matter resource on advanced typologies, investigative techniques, and analyst judgment
- Provide informal coaching, case feedback, and peer review to less-experienced analysts; support onboarding and training initiatives
- Contribute to the continuous improvement of procedures, desktop procedures, checklists, and reference guides based on casework insights
- Coordinate with AML, Fraud, Sanctions, Compliance Advisory, Legal, and Technology partners on complex financial-crime scenarios spanning multiple risk domains
- Support regulatory examinations, internal audit, and validation efforts by preparing case artifacts and responding to information requests
Skills
- Bachelor's degree required (Finance, Criminal Justice, Accounting, Business, or related field)
- 5+ years of BSA/AML, Sanctions, or Fraud investigations experience, including complex or high-risk casework and SAR filing
- Demonstrated ability to independently investigate multi-account, multi-entity, and cross-product matters
- Strong command of financial-crime typologies, transaction monitoring systems (e.g., Actimize, FCRM), and watchlist/screening tools (e.g., Bridger)
- CAMS or equivalent AML certification strongly preferred
- Advanced certifications (e.g., CFE, CFCS) a plus
Benefits
- Annual performance-based incentive opportunity
- Comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, and paid time off
- Hybrid, remote-office work arrangement
Company Overview